I think I meant it the other way. If you don't have a lot of assets you
may not want to buy a lot of insurance for two reasons. First, there
isn't much to motivate the insurance company to come after you if you
don't have a lot of assets. Second, having a large policy can make you
a target. In most states we have JSL, which basically means if you are
5% at fault but you have the most money you can be sued for the entire
amount of loss and its up to you to recover from the people responsible
for the other 95%. Having an unreasonably large amount of insurance
makes you a quick and easy target.

-Robert